Maryland Paycheck Calculator 2026
How much is take-home pay in Maryland in 2026?
A single filer earning $75,000 in Maryland with no pre-tax deductions takes home about $56,152 a year, $4,679 a month, or $2,160 every two weeks, after federal income tax, Maryland state tax, Social Security, and Medicare. Maryland state tax is the part that changes the figure. Federal tax and FICA do not.
For the 2026 tax year, a Maryland worker keeps their salary minus federal income tax, Maryland state income tax of 2% to 6.5%, 6.2% Social Security up to $184,500 and 1.45% Medicare. Enter your salary for your net annual, monthly and biweekly pay.
Federal figures updated for the 2026 tax year (IRS Rev. Proc. 2025-32) Maryland figures are the 2025 tables (Comptroller of Maryland, Withholding Tax Facts 2025 (marylandcomptroller.gov)) Last reviewed
Reviewed by Hassan Ahmed, Founder and Software Developer. Not a licensed tax advisor.
Estimated take-home pay
$56,152 /year
Monthly
$4,679
Bi-weekly
$2,160
Weekly
$1,080
Breakdown
- Gross annual income
- $75,000
- Federal income tax
- − $7,670
- Maryland state income tax
- − $3,230
- Montgomery County income tax
- − $2,211
- Social Security (6.2%)
- − $4,650
- Medicare (1.45%)
- − $1,088
- Net take-home pay
- $56,152
Effective tax rate
25.13%
Marginal federal rate
22%
Show federal bracket math
| Bracket | Taxable | Tax owed |
|---|---|---|
| 10% ($0 to $12,400) | $12,400 | $1,240 |
| 12% ($12,400 to $50,400) | $38,000 | $4,560 |
| 22% ($50,400 to $105,700) | $8,500 | $1,870 |
2025 vs 2026: what changed
Compared with the 2025 tax year, the main 2026 changes for take-home pay in Maryland are a higher standard deduction and a higher Social Security wage base (IRS Rev. Proc. 2025-32; SSA, Cost-of-Living Increase and Other Determinations).
| Item | 2025 | 2026 | Change | Source |
|---|---|---|---|---|
| Standard deduction, single | $15,750 | $16,100 | +$350 (+2.2%) | IRS Rev. Proc. 2025-32 |
| Standard deduction, married filing jointly | $31,500 | $32,200 | +$700 (+2.2%) | IRS Rev. Proc. 2025-32 |
| Social Security (OASDI) wage base | $176,100 | $184,500 | +$8,400 (+4.8%) | SSA, Cost-of-Living Increase and Other Determinations |
| Top of the 12% bracket, single | $48,475 | $50,400 | +$1,925 (+4.0%) | IRS Rev. Proc. 2025-32 |
| Top of the 22% bracket, single | $103,350 | $105,700 | +$2,350 (+2.3%) | IRS Rev. Proc. 2025-32 |
How the Maryland paycheck calculator works
This calculator estimates your take-home pay by subtracting federal income tax, Maryland state income tax, Social Security (6.2%) and Medicare (1.45%) from your gross annual salary. High earners pay an additional 0.9% Medicare surtax above the IRS threshold.
Federal income tax
Federal tax uses progressive brackets ranging from 10% to 37%. Each dollar is taxed only at the rate of the bracket it falls into (this is called your marginal rate, not your effective rate). The calculator applies the 2026 IRS brackets (IRS Rev. Proc. 2025-32) and the $16,100 standard deduction for single filers.
Maryland state income tax
Maryland uses progressive state tax brackets sourced from Comptroller of Maryland, Withholding Tax Facts 2025 (marylandcomptroller.gov). The state standard deduction is automatically applied based on your filing status. Maryland's state rates run 2% to 6.5%. The 6.25% and 6.5% top brackets were added for high earners in 2025. Every Maryland resident also pays a county (or Baltimore City) income tax of 2.25% to 3.30% on top of the state rate. The standard deduction is modeled at its maximum plus the $3,200 personal exemption.
Maryland county income tax
Unlike most states, every Maryland resident also pays a local income tax set by their county (or Baltimore City), ranging from 2.25% to 3.30% of taxable income, a big reason Maryland take-home pay varies by where you live. Maryland residents pay a local income tax set by their county (or Baltimore City), from 2.25% to 3.30% of taxable income. Anne Arundel and Frederick use tiered rates. Choose your county in the calculator above to fold it into your take-home estimate, applied to the same taxable income as your Maryland state tax. Source: Comptroller of Maryland, Withholding Tax Facts 2025 (2025 local rates).
FICA (Social Security + Medicare)
FICA taxes are flat: 6.2% Social Security on wages up to the 2026 cap of $184,500, plus 1.45% Medicare on all wages. Single filers earning over $200,000 pay an additional 0.9% Medicare surtax on income above that threshold. FICA is charged on a wider base than income tax: a traditional 401(k) contribution does not reduce it. Only Section 125 cafeteria plan benefits, such as health, dental and vision premiums and a health FSA through your employer, lower your FICA wages.